legal analysis: is it useful to find a lawyer after the credit card is overdue? It depends on the situation. Under normal circumstances, if you are suspected of credit card arrears, you can communicate with the bank first, and if you agree, you can pay less. If there is a malicious overdraft on the credit card, and the cardholder uses both credit cards for fraudulent activities, it will constitute a crime if the amount is large. In this case, it is of little use to find a lawyer. It is suggested that the credit card should not be overdue as much as possible.

Legal basis: Amendment to the Criminal Law of the People's Republic of China 1. One article is added after Article 177 of the Criminal Law as one of Article 177: "Whoever impairs the management of credit cards under any of the following circumstances shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also, or shall only, be fined not less than 1, yuan but not more than 1, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than 1 years, and shall also be fined not less than 2, yuan but not more than 2, yuan: "(1) Holding and transporting a counterfeit credit card knowingly, or holding and transporting a counterfeit blank credit card knowingly, and the amount is relatively large; "(two) illegal possession of other people's credit cards, a large number; "(3) fraudulently obtaining a credit card by using a false identity certificate; "(4) selling, buying or providing others with forged credit cards or obtaining credit cards by fraudulent identification. "Whoever steals, buys or illegally provides credit card information of others shall be punished in accordance with the provisions of the preceding paragraph. "Any staff member of a bank or other financial institution who takes advantage of his position and commits the crime in the second paragraph shall be given a heavier punishment."